6 min read
2026-02-10
Before investing, accumulate a reserve for 3-6 months of expenses. Investments are not an emergency fund.
Dollar-cost averaging (DCA) reduces the impact of volatility. Invest a fixed amount every month.
Don't put all your eggs in one basket. Spread funds across stocks, bonds, and other assets.
Real return = nominal return minus inflation. A 10% return with 8% inflation is only 2% real growth.
Time in the market matters more than timing the market. Long-term investors earn more than speculators.
Reinvesting dividends multiplies the final result through compound interest.
Use the Investment Calculator to model different scenarios.
See also: Budget Planner, Inflation Calculator